Last updated: July 19th, 2022
Reviewed by
Grant Desselle
Licensed Insurance Agent
Are you looking for car insurance in Scottsdale, AZ? If so, you’re not alone. Car insurance is important for everyone, but it’s especially important in a city like Scottsdale.
The cost of accidents and liability claims can be high, and although you might think you’re a careful driver, road mishaps are bound to happen at some point in your driving lifetime. Car accidents and liability claims are costly, so it’s best to take a proactive approach and ensure that you and your vehicle are protected.
The first thing that many car insurance buyers look for is a policy provider that offers good rates and discounts. Fortunately, there are plenty of companies to choose from in Scottsdale. In this post, we’ll compare prices and ratings in some of the biggest insurance companies in the area. We’ll also give you some tips on how to get a great deal on your Scottsdale car insurance policy, whether you have a good driving record, a bad traffic history, or are a new driver.
What does having a full coverage auto insurance policy mean? Definitions vary but they basically include bodily injury and property damage liability.
Some states require uninsured/underinsured motorists and medical expenses coverage but Arizona does not. Ask for these optional add-ons from your insurance provider if you would like them to be included in your policy. Other optional coverages include rental reimbursement, collision, and comprehensive coverage.
How much is auto insurance in Scottsdale, AZ? Full coverage car insurance costs an average of $1,673 in Scottsdale. The average price in Arizona state is $1,574.
Note that insurance companies have their own rating algorithms to determine how much you’ll need to pay for your car policy, depending on factors that include your age, driving history, and car model. Premiums vary depending on the provider and if their “full coverage” has inclusions that go beyond the basics.
Here are a few car insurance providers in Scottsdale and their average monthly premium rates.
*These rate comparisons are based on insurance for a Ford F-150 in the most populated zip code of Scottsdale for a 35-year-old employed male.
Latest available motor vehicle crash statistics in Scottsdale show 2,693 crashes on record as of 2020, 19 of which were fatal, 1,010 resulted in injury, and 1,934 involved property damage only. To compare, the highest numbers were logged in Phoenix, which had a total of 35,274 crashes, while the lowest numbers were recorded in Apache Junction at just 19.
The weather in Scottsdale is mild all year round, but the roads can be treacherous. In the summer, temperatures can reach up to 120 degrees Fahrenheit, and in the winter they can dip to below freezing. The rain and flash flooding in some areas can also make driving conditions difficult.
Get started on your search for the ideal Scottsdale auto insurance plan with these tips in mind:
The best car insurance for Scottsdale drivers isn’t always the cheapest. When you’re looking for auto insurance, it’s important to compare rates and find a policy that fits your needs.
Compare car insurance rates from top providers in your area on the Insurist website. Find your best fit today.
Brian is the founder and CEO of Insurist and carries Life, Health, and Property & Casualty licenses in all 50 U.S. states. Since 2013, Brian has been a member of Million Dollar Round Table, a designation for the top 1% of financial advisors worldwide. Brian has been featured in Yahoo! Finance, Money.com, Entrepreneur.com, Life Happens, Forbes, MSN, and Good Financial Cents. Brian’s goal is to show customers the best products, the quickest answers to their questions, and provide expert advice.
Grant's past experience includes work as a licensed sales agent for Hagerty Insurance. He has reviewed thousands of existing auto policies across the nation and issued hundreds of new ones on everything ranging from classic cars undergoing restoration to modern exotics and motorcycles.
